Provident Bankshares (PBKS) 8-K Provident Bankshares Reports Financial Results

Exhibit 99.2

PROVIDENT BANKSHARES CORPORATION AND SUBSIDIARIES

ASSET QUALITY DETAIL

(dollars in thousands)	September 30, 2008			September 30, 2007			June 30, 2008
Loan Portfolio:
Originated and acquired residential mortgage	$	256,823		$	292,129		$	267,784
Home equity		1,134,473			1,060,882			1,098,227
Marine		355,779			355,267			357,508
Other		26,680			28,933			22,420
Total consumer		1,773,755			1,737,211			1,745,939
Commercial mortgage		533,914			440,472			510,436
Residential real estate construction		529,445			618,669			551,149
Commercial real estate construction		455,663			405,249			451,409
Commercial business		971,424			846,114			943,474
Total commercial		2,490,446			2,310,504			2,456,468
Total loans	$	4,264,201		$	4,047,715		$	4,202,407
Non-Performing Assets:
Originated and acquired residential mortgage	$	7,516		$	6,706		$	8,207
Home equity		2,574			2,103			1,993
Other consumer		—			—			788
Commercial mortgage		1,743			1,335			1,745
Residential real estate construction		16,754			—			1,466
Commercial business		11,867			12,486			10,477
Total non-accrual loans		40,454			22,630			24,676
Total renegotiated loans		—			—			—
Total non-performing loans		40,454			22,630			24,676
Non-performing investments		13,163			—			2,858
Other assets and real estate owned		13,567			4,305			11,095
Total non-performing assets	$	67,184		$	26,935		$	38,629
90-Day Delinquencies:
Originated and acquired residential mortgage	$	4,846		$	2,291		$	1,842
Home equity		2,651			1,406			2,777
Other consumer		3,718			272			1,618
Residential real estate construction		314			—			300
Commercial business		16			165			486
Total 90-day delinquencies	$	11,545		$	4,134		$	7,023
Asset Quality Ratios:
Non-performing loans to total loans		0.95	%		0.56	%		0.59	%
Non-performing investments to total investments		0.99	%		—			0.21	%
Non-performing assets to total assets		1.05	%		0.42	%		0.61	%
Allowance for loan losses to loans		1.40	%		1.27	%		1.38	%
Net charge-offs in quarter to average loans		0.48	%		0.20	%		0.33	%
Allowance for loan losses to non-performing loans		147.51	%		226.44	%		235.75	%
	Three Months Ended September 30,						Three Months Ended June 30, 2008
	2008			2007
Analysis of Allowance for Loan Losses:
Balance at beginning of period	$	58,174		$	45,769		$	55,249
Provision for loan losses		6,571			7,494			6,400
Less loans charged-off, net of recoveries:
Originated and acquired residential mortgage		524			175			233
Home equity		1,051			274			354
Other consumer		924			961			527
Residential real estate construction		413			368			1,350
Commercial business		2,159			241			1,011
Net charge-offs		5,071			2,019			3,475
Balance at end of period	$	59,674		$	51,244		$	58,174

PROVIDENT BANKSHARES CORPORATION AND SUBSIDIARIES

DETAIL EARNINGS PER SHARE COMPUTATION

For the Three Months ended September 30, 2008	Income (Numerator)			Shares (Denominator)	$ Per Share			For the Three Months ended September 30, 2007	Income (Numerator)		Shares (Denominator)	$ Per Share
Net loss	$	(5,392	)					Net income	$	15,968
Less: Beneficial conversion feature preferred stock and dividends preferred stock		1,523
Basic EPS	$	(6,915	)	32,993	$	(0.21	)	Basic EPS	$	15,968	31,932	$	0.50
Other common stock equivalents								Other common stock equivalents			160
Diluted EPS	$	(6,915	)	32,993	$	(0.21	)	Diluted EPS	$	15,968	32,092	$	0.50
Neither the weighted average number of common shares which the preferred stock could be converted toor the other common stock equivalents were included in the computation of Diluted EPS as theywould be antidilutive.
For the Nine Months ended September 30, 2008	Income (Numerator)			Shares (Denominator)	$ Per Share			For the Nine Months ended September 30, 2007	Income (Numerator)		Shares (Denominator)	$ Per Share
Net loss	$	(12,790	)					Net Income	$	47,604
Less: Beneficial conversion feature preferred stock and dividends preferred stock		2,986
Basic EPS	$	(15,776	)	32,443	$	(0.49	)	Basic EPS	$	47,604	32,063	$	1.48
								Other common stock equivalents			196
Diluted EPS	$	(15,776	)	32,443	$	(0.49	)	Diluted EPS	$	47,604	32,259	$	1.48
Neither the weighted average number of common shares which the preferred stock could be converted to or the other common stock equivalents were included in the computation of Diluted EPS as they would be antidilutive.

PROVIDENT BANKSHARES CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

	Three Months Ended September 30,					Nine Months Ended September 30,
(dollars in thousands, except per share data)	2008			2007		2008			2007
Interest Income:
Loans, including fees	$	59,254		$	72,363	$	185,575		$	211,895
Investment securities		18,905			20,565		58,234			63,829
Tax-advantaged loans and securities		1,617			1,907		4,868			5,125
Short-term investments		14			39		67			181
Total interest income		79,790			94,874		248,744			281,030
Interest Expense:
Deposits		26,626			27,242		79,846			79,511
Short-term borrowings		2,511			8,774		11,892			23,345
Long-term debt		6,821			11,021		22,182			32,854
Total interest expense		35,958			47,037		113,920			135,710
Net interest income		43,832			47,837		134,824			145,320
Less provision for loan losses		6,571			7,494		16,085			13,338
Net interest income, after provision for loan losses		37,261			40,343		118,739			131,982
Non-Interest Income:
Service charges on deposit accounts		22,482			23,910		65,790			70,591
Commissions and fees		1,253			1,616		4,215			5,122
Impairment on investment securities		(24,570	)		—		(87,973	)		—
Net gains		947			4,902		8,907			6,525
Net derivative activities		9			397		105			183
Other non-interest income		4,432			4,478		14,702			13,836
Total non-interest income		4,553			35,303		5,746			96,257
Non-Interest Expense:
Salaries and employee benefits		26,703			26,390		79,647			81,018
Occupancy expense, net		5,947			5,978		17,616			17,973
Furniture and equipment expense		3,993			3,875		11,731			11,671
External processing fees		5,312			5,083		15,534			15,214
Restructuring activities		5			111		45			1,459
Other non-interest expense		11,233			11,248		30,424			32,746
Total non-interest expense		53,193			52,685		154,997			160,081
Income (loss) before income taxes		(11,379	)		22,961		(30,512	)		68,158
Income tax expense (benefit)		(5,987	)		6,993		(17,722	)		20,554
Net income (loss)	$	(5,392	)	$	15,968	$	(12,790	)	$	47,604
Net income (loss)	$	(5,392	)	$	15,968	$	(12,790	)	$	47,604
Beneficial conversion feature - preferred stock		—			—		1,463			—
Dividends - preferred stock		1,523			—		1,523			—
Net income (loss) available to common stockholders	$	(6,915	)	$	15,968	$	(15,776	)	$	47,604
Net Income (Loss) Per Share Amounts:
Basic	$	(0.21	)	$	0.50	$	(0.49	)	$	1.48
Diluted		(0.21	)		0.50		(0.49	)		1.48

PROVIDENT BANKSHARES CORPORATION AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION

(dollars in thousands, except share amounts)	September 30, 2008			December 31, 2007			September 30, 2007
Assets:
Cash and due from banks	$	127,491		$	140,348		$	123,417
Short-term investments		3,023			1,970			2,822
Mortgage loans held for sale		3,911			8,859			10,571
Securities available for sale		1,016,417			1,421,299			1,511,945
Securities held to maturity		311,806			47,265			47,654
Loans		4,264,201			4,215,326			4,047,715
Less allowance for loan losses		59,674			55,269			51,244
Net loans		4,204,527			4,160,057			3,996,471
Premises and equipment, net		60,652			59,979			60,630
Accrued interest receivable		27,370			33,883			36,091
Goodwill		252,095			253,906			253,906
Intangible assets		5,203			6,152			6,474
Other assets		397,981			331,328			314,029
Total assets	$	6,410,476		$	6,465,046		$	6,364,010
Liabilities:
Deposits:
Noninterest-bearing	$	676,798		$	676,260		$	715,224
Interest-bearing		3,918,595			3,503,260			3,491,517
Total deposits		4,595,393			4,179,520			4,206,741
Short-term borrowings		509,393			861,395			734,748
Long-term debt		714,389			771,683			771,726
Accrued expenses and other liabilities		48,837			96,677			40,074
Total liabilities		5,868,012			5,909,275			5,753,289
Stockholders’ Equity:
Preferred Stock (par value $1,000) authorized 5,000,000 shares; issued 51,215 shares at September 30, 2008		51,215			—			—
Common stock (par value $1.00) authorized 100,000,000 shares; issued 33,338,972, 31,621,956 and 31,974,520 shares at September 30, 2008, December 31, 2007, and September 30, 2007, respectively		33,339			31,622			31,975
Additional paid-in capital		360,541			347,603			354,836
Retained earnings		210,913			244,723			270,475
Net accumulated other comprehensive loss		(113,544	)		(68,177	)		(46,565	)
Total stockholders’ equity		542,464			555,771			610,721
Total liabilities and stockholders’ equity	$	6,410,476		$	6,465,046		$	6,364,010

Provident Bankshares Corporation

Consolidated Average Balances and Analysis of Changes in Tax Equivalent Net Interest Income

	Three Months Ended September 30, 2008						Three Months Ended September 30, 2007						2008 Quarter to 2007 Quarter Increase/ (Decrease)										2008/2007 Income/ Expense Variance Due to Change In
(dollars in thousands) (tax-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate		Average Balance		Income/ Expense		Yield/ Rate		Average Balance			% Change		Income/ Expense			% Change		Average Rate			Average Volume
Assets:
Interest-earning assets:
Originated and acquired residential	$	262,372	$	4,010	6.08	%	$	298,019	$	4,571	6.09	%	$	(35,647	)	(12.0	)%	$	(561	)	(12.3	)%	$	(4	)	$	(557	)
Home equity		1,117,718		13,908	4.95			1,050,442		18,076	6.83			67,276		6.4			(4,168	)	(23.1	)		(5,253	)		1,085
Marine		356,623		4,900	5.47			357,217		4,988	5.54			(594	)	(0.2	)		(88	)	(1.8	)		(78	)		(10	)
Other consumer		26,068		421	6.42			29,533		546	7.33			(3,465	)	(11.7	)		(125	)	(22.9	)		(64	)		(61	)
Commercial mortgage		528,565		8,125	6.12			441,685		7,938	7.13			86,880		19.7			187		2.4			(1,229	)		1,416
Residential construction		538,543		7,249	5.35			609,537		13,400	8.72			(70,994	)	(11.6	)		(6,151	)	(45.9	)		(4,725	)		(1,426	)
Commercial construction		443,772		5,617	5.04			383,775		7,685	7.94			59,997		15.6			(2,068	)	(26.9	)		(3,129	)		1,061
Commercial business		946,563		15,042	6.32			803,537		15,155	7.48			143,026		17.8			(113	)	(0.7	)		(2,558	)		2,445
Total loans		4,220,224		59,272	5.59			3,973,745		72,359	7.22			246,479		6.2			(13,087	)	(18.1	)
Loans held for sale		6,159		96	6.20			11,318		203	7.12			(5,159	)	(45.6	)		(107	)	(52.7	)		(24	)		(83	)
Short-term investments		2,456		14	2.27			1,905		39	8.12			551		28.9			(25	)	(64.1	)		(34	)		9
Taxable investment securities		1,354,411		18,905	5.55			1,430,269		20,565	5.70			(75,858	)	(5.3	)		(1,660	)	(8.1	)		(554	)		(1,106	)
Tax-advantaged investment securities		157,324		2,305	5.83			179,497		2,528	5.59			(22,173	)	(12.4	)		(223	)	(8.8	)		104			(327	)
Total investment securities		1,511,735		21,210	5.58			1,609,766		23,093	5.69			(98,031	)	(6.1	)		(1,883	)	(8.2	)
Total interest-earning assets		5,740,574		80,592	5.59			5,596,734		95,694	6.78			143,840		2.6			(15,102	)	(15.8	)		(17,466	)		2,364
Less: allowance for loan losses		58,032						46,147						11,885		25.8
Cash and due from banks		101,392						110,954						(9,562	)	(8.6	)
Other assets		660,162						617,812						42,350		6.9
Total assets	$	6,444,096					$	6,279,353					$	164,743		2.6
Liabilities and Stockholders’ Equity:
Interest-bearing liabilities:
Interest-bearing demand deposits	$	448,715		434	0.38		$	487,435		637	0.52		$	(38,720	)	(7.9	)		(203	)	(31.9	)		(155	)		(48	)
Money market deposits		602,625		2,713	1.79			583,856		5,016	3.41			18,769		3.2			(2,303	)	(45.9	)		(2,458	)		155
Savings deposits		564,848		944	0.66			557,239		538	0.38			7,609		1.4			406		75.5			399			7
Direct time deposits		1,146,158		10,131	3.52			1,218,368		14,148	4.61			(72,210	)	(5.9	)		(4,017	)	(28.4	)		(3,213	)		(804	)
Brokered time deposits		1,059,362		12,404	4.66			528,841		6,903	5.18			530,521		100.3			5,501		79.7			(757	)		6,258
Short-term borrowings		527,058		2,511	1.90			748,807		8,774	4.65			(221,749	)	(29.6	)		(6,263	)	(71.4	)		(4,175	)		(2,088	)
Long-term debt		733,087		6,821	3.70			758,878		11,021	5.76			(25,791	)	(3.4	)		(4,200	)	(38.1	)		(3,835	)		(365	)
Total interest-bearing liabilities		5,081,853		35,958	2.81			4,883,424		47,037	3.82			198,429		4.1			(11,079	)	(23.6	)		(12,901	)		1,822
Noninterest-bearing demand deposits		653,428						709,492						(56,064	)	(7.9	)
Other liabilities		46,204						41,541						4,663		11.2
Stockholders’ equity		662,611						644,896						17,715		2.7
Total liabilities and stockholders’ equity	$	6,444,096					$	6,279,353					$	164,743		2.6
Net interest-earning assets	$	658,721					$	713,310					$	(54,589	)	(7.7	)
Net interest income (tax-equivalent)				44,634						48,657									(4,023	)	(8.3	)	$	(4,565	)	$	542
Less: tax-equivalent adjustment				802						820									(18	)	(2.2	)
Net interest income			$	43,832					$	47,837								$	(4,005	)	(8.4	)
Net yield on interest-earning assets on a tax-equivalent basis					3.09	%					3.45	%

Provident Bankshares Corporation

Consolidated Average Balances and Analysis of Changes in Tax Equivalent Net Interest Income

	Three Months Ended September 30, 2008						Three Months Ended June 30, 2008						Current Quarter to Prior Quarter Increase/ (Decrease)										Quarter to Quarter Income/Expense Variance Due to Change In
(dollars in thousands) (tax-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate		Average Balance		Income/ Expense		Yield/ Rate		Average Balance			% Change		Income/ Expense			% Change		Average Rate			Average Volume
Assets:
Interest-earning assets:
Originated and acquired residential	$	262,372	$	4,010	6.08	%	$	274,357	$	4,199	6.16	%	$	(11,985	)	(4.4	)%	$	(189	)	(4.5	)%	$	(41	)	$	(148	)
Home equity		1,117,718		13,908	4.95			1,089,914		13,856	5.11			27,804		2.6			52		0.4			(368	)		420
Marine		356,623		4,900	5.47			360,297		4,918	5.49			(3,674	)	(1.0	)		(18	)	(0.4	)		(5	)		(13	)
Other consumer		26,068		421	6.42			22,897		425	7.47			3,171		13.8			(4	)	(0.9	)		(62	)		58
Commercial mortgage		528,565		8,125	6.12			501,953		7,750	6.21			26,612		5.3			375		4.8			(102	)		477
Residential construction		538,543		7,249	5.35			578,600		8,120	5.64			(40,057	)	(6.9	)		(871	)	(10.7	)		(371	)		(500	)
Commercial construction		443,772		5,617	5.04			452,556		5,891	5.24			(8,784	)	(1.9	)		(274	)	(4.7	)		(182	)		(92	)
Commercial business		946,563		15,042	6.32			917,765		14,762	6.47			28,798		3.1			280		1.9			(276	)		556
Total loans		4,220,224		59,272	5.59			4,198,339		59,921	5.74			21,885		0.5			(649	)	(1.1	)
Loans held for sale		6,159		96	6.20			10,753		160	5.98			(4,594	)	(42.7	)		(64	)	(40.0	)		6			(70	)
Short-term investments		2,456		14	2.27			2,191		17	3.12			265		12.1			(3	)	(17.6	)		(5	)		2
Taxable investment securities		1,354,411		18,905	5.55			1,380,968		19,598	5.71			(26,557	)	(1.9	)		(693	)	(3.5	)		(406	)		(287	)
Tax-advantaged investment securities		157,324		2,305	5.83			154,138		2,290	5.98			3,186		2.1			15		0.7			(44	)		59
Total investment securities		1,511,735		21,210	5.58			1,535,106		21,888	5.73			(23,371	)	(1.5	)		(678	)	(3.1	)
Total interest-earning assets		5,740,574		80,592	5.59			5,746,389		81,986	5.74			(5,815	)	(0.1	)		(1,394	)	(1.7	)		(1,343	)		(51	)
Less: allowance for loan losses		58,032						55,159						2,873		5.2
Cash and due from banks		101,392						101,177						215		0.2
Other assets		660,162						643,661						16,501		2.6
Total assets	$	6,444,096					$	6,436,068					$	8,028		0.1
Liabilities and Stockholders’ Equity:
Interest-bearing liabilities:
Interest-bearing demand deposits	$	448,715		434	0.38		$	478,235		459	0.39		$	(29,520	)	(6.2	)		(25	)	(5.4	)		(1	)		(24	)
Money market deposits		602,625		2,713	1.79			642,107		3,207	2.01			(39,482	)	(6.1	)		(494	)	(15.4	)		(315	)		(179	)
Savings deposits		564,848		944	0.66			567,121		832	0.59			(2,273	)	(0.4	)		112		13.5			115			(3	)
Direct time deposits		1,146,158		10,131	3.52			1,122,960		10,572	3.79			23,198		2.1			(441	)	(4.2	)		(684	)		243
Brokered time deposits		1,059,362		12,404	4.66			831,963		9,940	4.81			227,399		27.3			2,464		24.8			(305	)		2,769
Short-term borrowings		527,058		2,511	1.90			649,696		3,292	2.04			(122,638	)	(18.9	)		(781	)	(23.7	)		(211	)		(570	)
Long-term debt		733,087		6,821	3.70			778,720		6,874	3.55			(45,633	)	(5.9	)		(53	)	(0.8	)		321			(374	)
Total interest-bearing liabilities		5,081,853		35,958	2.81			5,070,802		35,176	2.79			11,051		0.2			782		2.2			629			153
Noninterest-bearing demand deposits		653,428						665,638						(12,210	)	(1.8	)
Other liabilities		46,204						46,988						(784	)	(1.7	)
Stockholders’ equity		662,611						652,640						9,971		1.5
Total liabilities and stockholders’ equity	$	6,444,096					$	6,436,068					$	8,028		0.1
Net interest-earning assets	$	658,721					$	675,587					$	(16,866	)	(2.5	)
Net interest income (tax-equivalent)				44,634						46,810									(2,176	)	(4.6	)	$	(1,972	)	$	(204	)
Less: tax-equivalent adjustment				802						807									(5	)	(0.6	)
Net interest income			$	43,832					$	46,003								$	(2,171	)	(4.7	)
Net yield on interest-earning assets on a tax-equivalent basis					3.09	%					3.28	%

Provident Bankshares Corporation

Consolidated Average Balances and Analysis of Changes in Tax Equivalent Net Interest Income

	Nine Months Ended September 30, 2008						Nine Months Ended September 30, 2007						Ytd 2008 to Ytd 2007 Increase/ (Decrease)										2008/2007 Income/ Expense Variance Due to Change In
(dollars in thousands) (tax-equivalent basis)	Average Balance		Income/ Expense		Yield/ Rate		Average Balance		Income/ Expense		Yield/ Rate		Average Balance			% Change		Income/ Expense			% Change		Average Rate			Average Volume
Assets:
Interest-earning assets:
Originated and acquired residential	$	275,559	$	12,620	6.12	%	$	311,406	$	14,527	6.24	%	$	(35,847	)	(11.5	)%	$	(1,907	)	(13.1	)%	$	(272	)	$	(1,635	)
Home equity		1,098,104		43,446	5.28			1,020,822		52,537	6.88			77,282		7.6			(9,091	)	(17.3	)		(12,857	)		3,766
Marine		358,289		14,745	5.50			366,064		14,919	5.45			(7,775	)	(2.1	)		(174	)	(1.2	)		136			(310	)
Other consumer		24,411		1,306	7.15			27,987		1,622	7.75			(3,576	)	(12.8	)		(316	)	(19.5	)		(120	)		(196	)
Commercial mortgage		492,128		23,210	6.30			446,297		23,878	7.15			45,831		10.3			(668	)	(2.8	)		(2,997	)		2,329
Residential construction		576,617		25,610	5.93			593,501		38,742	8.73			(16,884	)	(2.8	)		(13,132	)	(33.9	)		(12,060	)		(1,072	)
Commercial construction		457,353		18,893	5.52			377,122		22,366	7.93			80,231		21.3			(3,473	)	(15.5	)		(7,648	)		4,175
Commercial business		933,800		45,736	6.54			773,392		43,345	7.49			160,408		20.7			2,391		5.5			(5,924	)		8,315
Total loans		4,216,261		185,566	5.88			3,916,591		211,936	7.23			299,670		7.7			(26,370	)	(12.4	)
Loans held for sale		8,897		411	6.17			11,678		572	6.55			(2,781	)	(23.8	)		(161	)	(28.1	)		(31	)		(130	)
Short-term investments		2,455		67	3.65			2,802		181	8.64			(347	)	(12.4	)		(114	)	(63.0	)		(94	)		(20	)
Taxable investment securities		1,386,703		58,234	5.61			1,466,973		63,829	5.82			(80,270	)	(5.5	)		(5,595	)	(8.8	)		(2,210	)		(3,385	)
Tax-advantaged investment securities		155,413		7,028	6.04			160,415		6,634	5.53			(5,002	)	(3.1	)		394		5.9			605			(211	)
Total investment securities		1,542,116		65,262	5.65			1,627,388		70,463	5.79			(85,272	)	(5.2	)		(5,201	)	(7.4	)
Total interest-earning assets		5,769,729		251,306	5.82			5,558,459		283,152	6.81			211,270		3.8			(31,846	)	(11.2	)		(42,347	)		10,501
Less: allowance for loan losses		56,128						45,610						10,518		23.1
Cash and due from banks		101,399						113,552						(12,153	)	(10.7	)
Other assets		648,759						616,778						31,981		5.2
Total assets	$	6,463,759					$	6,243,179					$	220,580		3.5
Liabilities and Stockholders’ Equity:
Interest-bearing liabilities:
Interest-bearing demand deposits	$	461,622		1,436	0.42		$	511,594		2,095	0.55		$	(49,972	)	(9.8	)		(659	)	(31.5	)		(469	)		(190	)
Money market deposits		632,700		10,397	2.20			575,200		14,704	3.42			57,500		10.0			(4,307	)	(29.3	)		(5,666	)		1,359
Savings deposits		550,166		2,284	0.55			584,305		1,692	0.39			(34,139	)	(5.8	)		592		35.0			696			(104	)
Direct time deposits		1,118,238		32,176	3.84			1,200,980		41,232	4.59			(82,742	)	(6.9	)		(9,056	)	(22.0	)		(6,362	)		(2,694	)
Brokered time deposits		922,335		33,553	4.86			518,678		19,788	5.10			403,657		77.8			13,765		69.6			(978	)		14,743
Short-term borrowings		662,306		11,892	2.40			668,091		23,345	4.67			(5,785	)	(0.9	)		(11,453	)	(49.1	)		(11,253	)		(200	)
Long-term debt		761,057		22,182	3.89			773,690		32,854	5.68			(12,633	)	(1.6	)		(10,672	)	(32.5	)		(10,145	)		(527	)
Total interest-bearing liabilities		5,108,424		113,920	2.98			4,832,538		135,710	3.75			275,886		5.7			(21,790	)	(16.1	)		(29,225	)		7,435
Noninterest-bearing demand deposits		654,073						725,771						(71,698	)	(9.9	)
Other liabilities		56,145						41,862						14,283		34.1
Stockholders’ equity		645,117						643,008						2,109		0.3
Total liabilities and stockholders’ equity	$	6,463,759					$	6,243,179					$	220,580		3.5
Net interest-earning assets	$	661,305					$	725,921					$	(64,616	)	(8.9	)
Net interest income (tax-equivalent)				137,386						147,442									(10,056	)	(6.8	)	$	(13,122	)	$	3,066
Less: tax-equivalent adjustment				2,562						2,122									440		20.7
Net interest income			$	134,824					$	145,320								$	(10,496	)	(7.2	)
Net yield on interest-earning assets on a tax-equivalent basis					3.18	%					3.55	%